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Payment protocol and data transmission method and data transmission device for conducting payment transactionsRelated Patent Categories: Data Processing: Financial, Business Practice, Management, Or Cost/price Determination, Automated Electrical Financial Or Business Practice Or Management Arrangement, Finance (e.g., Banking, Investment Or Credit), Including Funds Transfer Or Credit Transaction, Requiring Authorization Or AuthenticationPayment protocol and data transmission method and data transmission device for conducting payment transactions description/claimsThe Patent Description & Claims data below is from USPTO Patent Application 20050256802, Payment protocol and data transmission method and data transmission device for conducting payment transactions. Brief Patent Description - Full Patent Description - Patent Application Claims
CROSS REFERENCE TO RELATED APPLICATIONS [0001] This application claims the benefit of European Patent Application Serial No.: 01127042.8, filed Nov. 14, 2001; of European Patent Application Serial No.: 02005762.6, filed Mar. 13, 2002; of European Patent Application Serial No.: 02005763.4, filed Mar. 13, 2002; of European Patent Application Serial No.: 02010457.6, filed May 8, 2002; of International Patent Cooperation Treaty Patent Application, Serial No.: PCT/EP02/12782, filed, Mar. 14, 2002; and of U.S. Provisional Patent Application, Ser. No.: 60/389,617, filed Jun. 17, 2002, which are all hereby incorporated by reference in their entirety. BACKGROUND OF THE INVENTION [0002] This invention relates substantially to payment systems and in particular to a protocol for organizing the transmission of messages between several wallet servers and payment servers of many different offerers. [0003] Merchants and service suppliers are becoming involved to an ever greater extent in business transactions that are carried out over multiple channels. In the traditional situation, for instance, a customer visits a shop, selects the objects to be purchased, and checks out, i.e. buys the objects at the merchant's cash register. The customer typically pays for the objects in cash or by credit card or check. [0004] However, in principle it is possible for a merchant to increase turnover by improving customer convenience during the purchase of merchandise and services. For example, customers who order objects over the internet may also want use the internet to complete the whole transaction. The fact that customers can purchase merchandise over the internet with no need to make a physical visit to a shop can benefit the merchant by increasing turnover and creating more good will. However, if the transaction is not implemented correctly and on time, the merchant can suffer a loss of both turnover and good will. [0005] Another means by which a merchant can be more customer-friendly is to enable customers to make purchases even when they are not currently in possession of cash, a credit card or a check. For instance, known systems allow a customer to complete purchases by means of wireless devices (e.g., a mobile telephone or a PDA (personal digital assistant)). As in the case of the internet, making such conveniences available to the customers can enhance both turnover and good will--but again, if the transaction is not implemented correctly and on time, turnover and good will may be sacrificed. [0006] Therefore merchants would usually like to give customers several payment options and several forms of access, by way of which merchandise and services can be bought. These merchants, however, are hesitant to offer such flexibility until they are sure that the transaction can be completed correctly and on time. [0007] Furthermore, some systems for implementing transactions are out of date, and considerable investments are needed to reconstruct the old system infrastructure. [0008] Merchants are typically reluctant to invest in systems that make it necessary to replace such old elements, if too much expenditure of time is required to achieve a return on such investments. This means that when a merchant must replace an existing old system by a completely new system in order to enable payments by way of a wireless device, the merchant will not be willing to undertake such an investment. BRIEF DESCRIPTION OF THE INVENTION [0009] The invention is thus directed toward the objective of disclosing a method and an arrangement for simplifying the organization of payment transactions by employing a telecommunications network that complies with the legal regulations that apply in various countries and conforms to the established and approved payment sequences for financial transactions. [0010] To a considerable extent private payment processes carried out by way of a commercial service provider must also conform to these established rules. There is an increasing need for organization of such private payment processes with the most modem technical means that is, in particular by way of the Internet and/or telecommunications networks especially in connection with the further implementation of electronic monetary transactions and with the non-commercial sale of products or services (including information) between private parties. The data-transfer methods for this purpose that have been previously proposed, some of which have also tentatively been applied in practice, are not yet suitable because they are insufficiently reliable and secure and/or are too inconvenient to satisfy an appropriately large number of users. [0011] The invention is thus also directed toward the objective of disclosing a method and an arrangement to simplify the organization of private payment transactions (P2P =person to person) by way of a telecommunications network that complies with the legal regulations that apply in various countries and conforms to the established and approved payment sequences for financial transactions. [0012] In one respect the present invention relates to a protocol for carrying out transactions between several customers and merchants. The protocol controls the flow of messages and the performance of instructions contained in these messages by way of a payment system that enables conventional as well as unconventional payment methods. The protocol offers a large number of advantages including the fact that complex transactions can be concluded in a reasonable amount to time and with the customer undergoing an acceptable experience. [0013] In particular, and in a specific embodiment, the protocol comprises various subprotocols. Each subprotocol has its own specified scope, and is clearly delimited from other subprotocols. In one exemplary embodiment the protocol contains two subprotocols. One subprotocol is the wallet server, central processing platform and payment server protocol, sometimes also called the interoperable mobile payment protocol (IMPP). The other subprotocol is the payment server and merchant server protocol, sometimes also called the open payment protocol (OPP). The OPP controls the information exchange between a wallet server, a merchant system and a payment server. In the exemplary embodiment a merchant system can alternatively have access to a payment server by way of the merchant API rather than by way of the OPP. [0014] The IMPP is supported by a central processing platform (CPP), which utilizes a central element for routing messages and other payment-related processing. The CPP administers central offer data and in certain scenarios finds out the wallet server of a customer while payment is being initiated. Furthermore, the CPP makes available the routing of payment messages in both directions between a wallet server and a payment server. [0015] The wallet server contains core customer data that are required for authentication and payment, as well as a transaction history. In agreement with the IMPP the wallet server is triggered during the payment-initiation phase, and subsequently sends payment messages to the payment server through the CPP. If the transaction state at an acquirer changes, the payment server sends notification messages to the wallet server through the CPP. Moreover, each party can send request messages in order to update and check the state of a transaction. [0016] The payment server holds the core customer data related to payment as well as transaction-history data. The payment server also receives payment messages from the CPP and processes these messages. In particular, the payment server in agreement with the IMPP sends a message to the authorized participants on the acquirer side and communicates the result to the CPP and the merchant system. The payment server sends and receives the required information to/from the merchant system during the various phases of the payment process. [0017] Not all transaction-related messages and message attachments are stored in each of the three servers, i.e. the wallet server, the payment server and the CPP. For instance, data on generation of the OfferID are stored only in the CPP. [0018] The term "merchant system" refers to a shopping system (e.g., a commercially available merchandising (commerce) server) and payment plug-in components that are available in a local merchant domain of a payment system conforming to a 3D model. In agreement with the OPP the merchant system sends and receives the required information to/from the payment server during the various phases of the payment process. The transfer of messages between the CPP and the payment server is mediated by the IMPP. [0019] The IMPP makes it easier for merchants and customers know what options are available for making payments reliably, correctly and on time by employing mobile devices. In addition, it enables integration with existing older systems by providing a gateway through which standardized, open protocols (e.g., the IUTP protocol) can be used to communicate with the system. For instance, the gateway uses the IUTP protocol to translate IUTP messages into IMPP messages and data flows. Therefore merchants do not need to replace older systems and can simply plug into the platform on which the IMPP is implemented. [0020] In a further aspect the invention includes the essential idea of disclosing a substantially universal payment method based on a conventional bank account ("postpaid") or electronic balance ("prepaid"), which in particular can be used for organizing payment in the so-called B2C (business to consumer) area as well as in the P2P (person to person) area. That is, it enables purchasing in real and virtual businesses, payments to gastronomic or cultural installations etc., and the "transmission" of monetary amounts between private individuals. [0021] It also includes the idea that for this purpose the possibilities presented by a telecommunications network can be exploited, in particular the possibility of organizing widely distributed procedures in almost real time. The invention also incorporates the central idea of making available and employing an unambiguous identification code--the offer identifier--which identifies the merchandise or services made available by an offerer (in particular, a whole "shopping basket") to assist the subsequent progress through all the data-transfer and processing events associated with the offer and the payment therefor, in particular the reliable authorization of payment. Continue reading about Payment protocol and data transmission method and data transmission device for conducting payment transactions... 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